Is a real estate loan of 30,000 dinars, to be repaid as 34,000 dinars over sixty years, considered usury (riba) and unlawful (haram), given that options for renting or building a private home are unavailable in Libya?

It is not permissible to take out a usurious loan for building a house unless there is an absolute necessity and dire need, and that is after searching for a rented accommodation or a benevolent loan. If these are not available, then there is no harm in taking out a usurious loan for building a house.